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What would happen if i was at a traffic lights or something, and a car bumped into me or crashed and then drove off? if i didnt have the reg plate, how would they get done for it? would i have tp pay the damage on my car? or if some thugs came over and stated kicking and smashing the car and i had to drive off-where would i stand? would i ring the insurance company up and they pay for it? assuming i didnt get id or car reg and no witnesses? thanks i am on fully com. i protected my no claims. i have 4 years protected.

Assuming you have got fully comprehensive insurance your insurance will pay for repairs but you will have to pay the excess if any and it will possibly effect your no claims bonus